USDC

GreedVault

credit card --- buy ( USDC > USDT ) first --- DCA ( BTC > ETH > SOL )

funkinaround

They never refused outside accounting. Tether Truthers are just moving goalposts from "no one knows if they have reserves" to "they won't do a full audit", even though USDC provides the same type of attestations from an independent auditor.

iTurbo6

I sold some this weekend and today. 106-111. With trading stocks and crypto, I personally feel that bitcoin has been taken over by wall street. the ETFs rule it. a down market is a down bitcoin. but worse is that bitcoin front runs and has even higher volatility. SNP choppiness leads to larger chops down by btc with smaller recoveries up. Govt/institutional buyers are using it as a store of value but its losing value - and retail isn't buying enough to have any momentum. Every rally is getting sold. Instead I'm thinking that the crypto revolution is stablecoins. Faster to send stablecoins than wire. I sold some bitcoin and sent the USDC to my robinhood in seconds. Feels like we are going to dump below 100 this month. SPY dump to 670 will easily bring BTC under 90.

Every_Hunt_160

Accumulate the Big 3: USDT, USDC and DAI

dirodvstw

The only coin I’m holding right now is USDC

Rare_Rich6713

Totally get you I stopped using my old exchange card years ago too and had to re-research the scene recently. Short version: a few solid options still exist but availability + perks depend a lot on your country and whether you want top-tier rewards or just simple USDC/USDT spending. Crypto com still has one of the more polished Visa cards if they support your region., Coinbase Card is another easy one if you’re already on their platform., xPortal Card is also worth checking it lets you spend crypto via a prepaid Mastercard, supports top-ups with stablecoins, and works smoothly through the xPortal app., Binance Card can be great where available, though it’s pretty region-limited right now., If your goal is to spend USDT/USDC directly, I’d look into which of these support stablecoin top-ups with low conversion fees. Out of curiosity are you mainly looking for cashback perks or just something simple and reliable for everyday spending?

Ilovekittens345

Who cares. My money at a bank is also just a token. All I know is when I tranfer money from my Canadian bank to my european bank it takes a couple of days and I easily lose 2%. To my filipino bank it's even worse, a wire transfer eats like 20 CAD on both sides. Send a 100 cad, receive 40. Apple pay, revolute, rupay, it does not work withy my filipino bank. Only gcash and pay maya but they are not supported in Canada. So instead I spend 15 minutes making an e-tranfer to a Canadian crypto exchange, buy some USDC, send it to Binance and exchange it on their P2P market for php, which means filipino people are buying my USDC and then sending their php from their filipino bank account straight to mine. This process takes 15 minutes and the rates are so competitive I sometimes get a CAD/PHP exchange rate ABOVE market. I once gained a 150 CAD on a 4000 CAD transfer. I don't care about the rest. This is the fastest and the cheapest for ME.

pedronegreiros94

No way, I remember those days, stable coins losing their pegs (even USDT and USDC) and BTC sub 20k. That was the all time low of crypto sentiment.

Rare-Energy-4357

No problem at all! Stablecoins are essentially the crypto world's answer to digital cash, and the excitement in 2025 isn't about their price going up, but about them becoming the fast, profitable backbone of global money movement. For the average person, the main way to "make money" is by using them to earn a much better return than a traditional bank account. Specifically, instead of just sitting in your savings account earning near-zero interest, you can hold stablecoins like USDC and lend them out on secure platforms often for yields in the $5\\%$-$10\\%$ range, which is vastly higher. For example, when I want to set aside cash for a big purchase next year, I convert the fiat into USDC on a regulated platform and place it into a 'yield' program. Since I know the USDC will stay pegged to $1, I'm simply turning my idle dollars into a secure, high-interest asset that works 24/7 without the hassle or fees of moving money internationally, ensuring I don't miss out on passive income while keeping my cash safe and ready to spend.

bricarp

It appears you do have 22.44 USDC in your wallet. But SOL is what powers the wallet. Without some SOL, you can't do anything. It's like this: think about the gasoline that you put in your car. There's gas in your car, and you're probably used to paying dollars to get more gas for your car. Right now, you have a car that has literally zero gasoline. Sure, it has $22.44 in cash sitting inside the car. Normally, you're used to being able to use the cash in order to buy gas, but you need to make it to the gas station first. Your $22.44 is not capable of purchasing any gasoline because you're not at the gas station. Your 22.44 USD is not capable of purchasing any SOL because you have no SOL to power the transaction.

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Nearby-Leadership-20

1. Currently it's not widely used as a payment because it's still has volatility. The volatility reduced, at some point it will become less even compared to fiat currencies. At that point BTC would be considered "stable" and "safe", and USD / any other fiat as "risky" "volatile" and "unsafe". 2. Currently people in a lot of countries with shit currencies (even compared to usd) actively use BTC for saving and stablecoins (USDT / USDC / etc.) for purchases (simply because most prices now in USD). But it will change, and BTC or BTC based stablecoins would be used.

coinfeeds-bot

tldr; The demographics of cryptocurrency users are shifting, with stablecoins like USDT and USDC now accounting for 40% of global crypto trading volume. Emerging markets such as Southeast Asia, Africa, and Latin America are driving this change, using crypto for practical purposes like remittances and small-value payments. New users prioritize utility over ideology, often relying on custodial wallets and simplified security measures. To support this trend, crypto platforms must focus on seamless security, user-friendly interfaces, and practical solutions for financial inclusion. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

MakCapital

XRP is technically not a scam but you own a piece of a network which generates 0 revenue with a company that holds 50% of that asset and does nothing but sell it to increase the value of that company and their shareholders. Not technically a scam, but as close to one as you can get since it's advertised as something it is not. It's ownership over a dead network. Not a currency. It's like buying ownership of some convenience store no one shops at and makes no money. It's not a scam to buy ownership over it, but it's dumb. The shop owner knows it makes no money. He's going to keep selling his ownership over that shop until there are no more interested buyers. In order for new buyers to seriously need to be interested in buying ownership of the shop, the shop needs to actually make money that comes back to the owners. That's not happening. You don't long term invest in something that no one uses & generates 0 returns to the owners. Your dad is now part owner of something no one uses, makes 0 revenue, and this other group (the issuer) owns the majority and has no choice but to keep selling their pieces of ownership in order to keep their group happy. A really, really, bad financial decision but not completely a scam. "Crypto" has one legitimate publicly managed currency. It's called Bitcoin. Every other token in existence is ownership over something else and that something else better generate returns to the owners or their value bleeds to 0. Few exceptions like tokenized commodities such as gold or tokenized fiat such as USDC, but you should understand the point. Everything gets tokenized. Everything in the world is crypto. All crypto can be used as currency. Only tokenized fiat or Bitcoin is actually valued as currency by serious people. Most everything else needs activity and revenue or bust.

chrisbrown21357

I found Teller on Base app.  Great platform for passive investing.  I use Teller to deposit my MORPHO rewards from coinbase lending, and basically earn rewards on rewards.  I use it to hold USDC powder until I’m ready to hit that buy button, with a sweet rate on cash.  I have tested the app with withdrawals, no lock up at all, works perfect.  Transactions process instantly. This is a great passive investing source with immediate access to your liquidity.  Auto-compounding will be the cherry on top. Not so much a question, but I would like to be able to see the balances I’m holding on Teller within my Base app wallet.

haxsen

1. Their buy/sell exchange market is totally biased, whatever you buy will be expensive / whatever you sell will be cheaper - FOR THEM - like a considerable margin unlike other CEXs. 2. I could not withdraw USDC / USDT - the minimum is 50 USD and fees is 25% - YES 25%. 3. How to get out: Buy a smaller value coin like ANKR (0.001$ right now) and withdraw it to your ETH address to escape ridiculous fees and save yourself.

Cryptogeakky

This is because your USDC is most likely on the solana blockchain and to perform any transaction on solana blockchain you need some sol to pay for fees

haxsen

1. Their buy/sell exchange market is totally BS, whatever you buy will be expensive, whatever you sell will be cheaper FOR THEM - like a considerable margin unlike other CEXs. 2. I could not withdraw USDC / USDT - the minimum is 50 USD and fees is 25% - YES 25%. 3. How to get out: Buy a smaller value coin like ANKR (0.001$ right now) and withdraw it to your ETH address to escape ridiculous fees and save yourself.

wayfarer8888

So the use case is somehow unique to Ripple? And last time I counted, it's two conversions, a stable coin like USDC is often only one. There's also other currencies like Euro with stable coins. Or you take any other major coin, Solana is liquid and fast and easy, same with Ether on Arbitrum or Base.

Flipmode45

I sold virtually my whole ETH position on Monday. When I sold, USDC was sitting just under $1 and now it’s back to $1.

chchrnblklk

Easy, he deposited $480 more USDC.

piggleii

Damn. You must have a lot of USDC.

Flipmode45

I’m up $480 on my USDC holdings in the past 24 hours. This market is hilarious. Only thing green is my stable coins!

The_Wettest_Drought

Down 10k. Coinbase: CONGRATULATIONS, YOU JUST EARNED 1.26 USDC! Bullish!

The_Wettest_Drought

USDC long.

blablubb0

We’ve been using USDC for freelance payouts across LATAM and Asia - it’s been way smoother than SWIFT. But accounting is a nightmare. How are you handling reconciliation and tax reporting?

weld9235

100%. That’s why we only use regulated stablecoins (USDC, EURC) and keep funds in motion - no long-term holding. For custody, we use Fireblocks with multi-sig and daily limits. Not bulletproof, but better than relying on a single exchange or wallet.

Flimsy_Oil6271

If I have $10k in the bank, and use it to buy 10k USDC stablecoins. How do I have any more $ than if I kept it in the bank. That doesn’t make any sense. If I cash it out, I would just have $10k, same as the bank since it’s stable at $1.

blablubb0

We’ve been using USDC for freelance payouts across LATAM and Asia - it’s been way smoother than SWIFT. But accounting is a nightmare. How are you handling reconciliation and tax reporting?

xte2

USDC have a fund freezing clause in the smart-contract, so not thanks for me. I prefer real crypto with volatility but really mine than replicating the bank game in another sauce.

evandollardon

Totally agree with you. For ppl residing in areas with double-digit inflation, utilizing a stablecoin like USDC on a platform like Nexo can be a lifesaver. You’re not trying to gamble - just protect your money from melting away

coinfeeds-bot

tldr; Visa has announced plans to expand its stablecoin support to four new blockchains, enhancing its integration of USDC, EURC, PYUSD, and USDG across Ethereum, Solana, Stellar, and Avalanche. This move aims to improve cross-border payments and enable banks to mint and burn their own stablecoins via Visa's Tokenized Asset Platform. Visa's stablecoin-linked card spending has quadrupled year-over-year, with monthly settlement volumes exceeding a $2.5 billion annualized run rate, reflecting growing adoption in the crypto ecosystem. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.

coldfisherman

It sucks that you got taken for a ride. I know others who have been on that trail. When I go to vegas, I bring a fixed amount of money and I plan to lose \*all\* of it. And if I come back with winnings, that's awesome. That's how I invest in meme coins - with the intent to lose everything, but if it works, awesome. For real investment: Blue Chip, Property, Treasury Bonds, and USDC (like 4% at coinbase!) For pretty stable: Nasdaq + BTC + ETH Strictly For fun: Vegas and Meme

fan_of_hakiksexydays

22% is not that crazy high in the world of crypto. Right now USDC is 15% on Coinbase, and ATOM 22% on Kraken. Usually, when a crypto is just starting staking or is small, it's more likely to start with very high yield initially. But the higher it is, the less likely it is to last at that level. Also, with crypto there's more services and ways to make higher yields possible. It's more of a red flag when it gets well above 50% or in the hundreds. That usually means it's gonna be very brief or it might be a scam. But in my years of staking, it's not unusual to get yields of around 20%.

SevereArrivals13

They are not just here but are better than ever before. They are constantly bought and burned by advertisers to host AMA's or the banner on our sub, the banner is booked out in advance for the next 50 days or so and we started using the banner on r/Cryptomarkets to satisfy the huge advertising demand. We also use them for governance on the sub, and now they can also be staked to earn an APY or borrowed against to receive some low interest USDC

Fantastic_Seesaw3446

Yeah that's literally me. I like watching crypto but the only one that has any value in my eyes is USDC for its peer to peer transaction potential. I've opted to buy stocks like coin base instead of the sketchy currencies I've seen people running pump and dump schemes with the last decade.

YourCryptoDoctor

USDC is not a store of value. No reason to hold that for any long length of time. Even if you’re earning 4% on that somewhere, you’re surely paying >4% on whatever the loan is. Therefore it would be wise to allocate that capital towards the higher interest loan. As others have stated, it’s impossible to know your the correct financial decision given the small amount of information you posted. You might try discussing this with an AI agent to help sort it out. But I do think you should get off the couch and into a bedroom! You only live once.

Character-Dot-4078

Because you get PAID LESS for borrowing bitcoin because its WORTH LESS at the time. This is why you use USDC stacked in the loan for the dips, so you are still making 8% having fiat sitting somewhere. You are overcomplicating the strategy by thinking you are getting a better rate for cheaper bitcoin by collateralizing bitcoin when its cheaper, which you are not.

Ornery-Letterhead-26

Lumerin Protocol.. $LMR Currently under 1M MC 🤯meanwhile it routes all of the AI compute for Morpheus and has built the only decentralized Bitcoin hash-power marketplace in which you can anonymously mine bitcoin with nothing but your phone and some USDC. Futures marketplace is right around the corner, then likely a full AI compute marketplace. Strategic partners include Coinbase Ventures, Fembushi Capital, Hive and many others.

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papa_autist

Nice tracking. This was the only part of this that didn't make sense. Coinbase is lending you $50k of their money @ 7.52% interest and you are lending Coinbase $8k of your money @ 4.00% interest. The USDC balance does not impact the loan rate like if they offered an incentive or something so better to K.I.S.S. and leave out. You could just as well include in here any traditional bank interest, stock dividends, or any other thing that gives you a return and call it "offsetting the interest rate" which wouldn't make sense.

CryptoMemesLOL

You should research or ask questions before you throw attacks at things you don't understand. A simple Chatgpt question got me this in 5 seconds !! >That post captures a very common mistake: using the retail, consumer-facing crypto rails (Coinbase, Binance, etc.) instead of professional payment or off-ramp infrastructure built for freelancers, startups, or companies handling crypto payments. >They’re doing everything right except the part that actually matters: how they convert. >When you use exchanges like Coinbase/Kraken as an individual: >You pay retail spreads (1–2% hidden in the conversion). >Withdrawal and network fees add another 1–2%. >Bank transfers are slow because of legacy rails (ACH, SWIFT). >You lose optionality, you can’t hold stablecoins and spend them directly. >So yeah, 3–4% friction for moving “digital dollars” is nuts, but avoidable. >Here’s how pros, freelancers, and crypto-native companies actually do it: >1. Use a crypto-native payment processor >Platforms like: >BitPay, Request Finance, BitWage, Onramper, Transak Business, Uphold, Kraken Institutional, or USDC’s Circle Account Let you: >Receive USDC directly (no middleman wallet) >Auto-convert to fiat (USD, EUR, CAD) at interbank rates >Withdraw via Fedwire or SEPA (1 business day, minimal fees) >Typical cost: 0.1–0.3% total, not 4%. >2. Use a regulated fintech with crypto-friendly banking >If you’re in Canada, EU, or the US, look into: >Wert, Monerium, Kraken Bank (coming), Revolut Business, or Mercury + Circle integration These let you hold and send stablecoins like USDC as if they were cash — no conversion until you choose to off-ramp. >3. Peer-to-peer but automated (non-sketchy) >There are now P2P aggregators that automate the matching without meeting strangers: >Paxful (for stablecoins), Ramp Network, PayTrie (Canada), or Binance P2P Fees are <1%, instant settlement, and you stay in control of the wallet. > >4. For recurring freelance work >Use BitWage or Request Finance: >Create invoices in USDC or BTC >They handle FX conversion and deposits to your local bank >Transparent fee structure (\~0.5–1%) >Many Web3 companies use Request Finance for exactly this reason. >The Ideal Setup (for freelancers or small businesses) >Wallet: self-custody (e.g., Ledger or Metamask with a safe multi-chain wallet) Payment: Request Finance or BitWage (receive in USDC) Off-ramp: Circle Account or Kraken Pro (convert only when needed, at interbank rates) Bank: fintech that supports crypto cashouts (Mercury, Revolut, PayTrie, etc.) >That combo makes conversion: >Instant (same day) >Cheap (0.2–0.5%) >Non-custodial (you control funds until the last step)

Due-Author631

Only from your cost basis, otherwise it's just income tax. USDC doesn't move enough for it to really be a concern.

002_timmy

Coinbase converts USDC to USD for free and bank transfers are free if you do the 1-3 day option. The fee only applies for instant transfers.

DoItOurDamnSelves

I saw that with the Coinbase(MORPHO) they fund you in USDC I believe. Does this create a taxable event when (if) you convert the USDC into USD?

Leading_Confection32

I didn’t say anything about that. I DCA into BTC so I buy with money from my paycheck. I don’t hold any cash except some USDC that earns me an average of 6% APR and it’s for tax purposes. No matter what when tax man comes knocking a dollar is a dollar.

HGJustTheTip

Swapping for USDC is a taxable event and if you got audited, you would owe taxes and penalties on that (assuming you are USA, not sure for other countries).

CoinGate

u/setokaiba22 Appreciate the comment. Those numbers only cover crypto payments processed through our payment processor, not all the payments our customers accept in total. The data shows how crypto usage is split, with Bitcoin still leading over USDT, LTC, and USDC. “Consumer services” primarily include electronics, travel, digital subscriptions (such as virtual numbers), and gift cards. Most Bitcoin orders are for web hosting, while larger purchases often come from luxury travel, such as private jet rentals. Agree that most people don’t use Bitcoin day to day, but for cross-border and online services, it’s still one of the most used options through our services.

The_Wettest_Drought

Coinbase apparently stopped receiving USDC from base, won't let me transfer anymore

Farne101

And that’s the main mistake people make. Swapping is an asset disposal because in order to swap you have to sell and then buy the new token. So on paper you did sell. No amount of wriggling will change that. If you create NFTs and sell them in return for ETH you are hit twice, once when you sell the NFT and again if convert the ETH to $ or whatever. Swapping for USDC or similar is still a taxable event. This myth that you only get taxed when you convert to fiat currency is a huge cause of future problems.

FishOnAHeater1337

If you're smart you don't trigger taxable events and swap your crypto for USDC or similar - when you take profits. Then stake those stables while you place responsible trades 1-3% of your portfolio per position. You can get lines of credit on your stable portfolios and spending credit doesn't trigger taxes either.

Sudden-Anteater-4161

If you have USDC to invest at 4%, why don’t you just use that money instead of borrowing at 7.52% and incurring several risks?

theweb3voyager

Dude I already made my 3 million target on a night trading only USDT/USDC pair. Trading on LSD, would definitely recommend.

setokaiba22

This is such a mature of false positives I don’t know where to begin. The headline suggests there’s some huge uplift and it’s threatening fiat when this isnt’ the case “⁠It remains the #1 payment method in 2025, accounting for 22.7% of all transactions this year, followed by USDT (19.8%), LTC (14%) and USDC (11.5%).” I’m assuming this is just relates only for crypto payments and not over cash or card payments in these businesses

Gullible-Tale9114

Jessica from Awaken here, ZEC’s pump has been huge, but it’s a high-volatility privacy coin with real regulatory and liquidity risks. If you play it, treat it as a small speculative slice, set an invalidation level, and don’t chase green candles. For a core, lower-risk base, BTC/ETH generally make more sense; USDC is for parking, not upside. If you don’t have a clear thesis beyond “it ran,” skip it...there will be other trades. Track your cost basis and stick to a plan.

Intrepid_Warthog_985

I’ve got 60% BIT 20% ETH 10% USDC (dry powder) and then a couple alts I’m waiting for my sells, but I wanted to ask what you think about my portfolio but also what’s your plan for when it’s time to sell. It’s my first run and I feel like I know what to look for but hearing from someone with experience would be great. Hope you have a great day!

IAmSomewhatDamaged

It’s not really that difficult man. It’s just one extra step lol. Transfer cash into CB >> swap to USDC >> hold. You can always just swap it back to cash. Takes like 30 seconds. I understand that mannnnny people don’t like exchanges period though, so I get it..

IAmSomewhatDamaged

Yes they do. You just have to transfer your “cash” to USDC and hold it as that.

crazy_lolipopp

CCOM already did. I had a really small bag and it automatically got converted to USDC lmao. Was probably the best option because it's dead.

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Post is by: bstav1 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1ohr6kr/real_onchain_micropayments_creators_getting_paid/ Everyone talks about crypto adoption, but 99% of activity is still trading. We wanted to test a real consumer use case: instant micropayments for digital content. So we built [**wea.gg**](https://wea.gg) \- a pay-per-post content marketplace running on x402 and Base. Here’s how it works: * Viewers unlock posts for a few cents in USDC * Creators get paid instantly, directly to their wallet * 0% platform tax — all value flows on-chain It’s basically *“content monetization meets stablecoin payments.”* No ads, no subs, just USDC micropayments that actually settle. Curious what you think: > Happy to share a quick demo video in the comments if allowed. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

rtg2k

USDC? ZEC is a super legitimate project and is the OG in the space for privacy. It's been a cursed coin to hold over the years and its holder base has trauma from that. Might be a long road up. Buy it if you have conviction, but your follow up questions suggest maybe you don't

Sudden_Buyer3852

USDT in EU? So.. I'm starting to sell all my alts (trade them for USDT and USDC), so I can then buy more Bitcoin in the bear market. My plan was to park 70% in USDT and 30% in USDC just to be safe. But now i found out Binance no longer operates USDT in Europe. Whats the safest stable coin to park it then?

Background_Home7092

Awesome; thanks for the heads up! Coinbase is offering 7.97% on USDC lending right now as well via Morpho which looks pretty attractive.

nikedemon

You can earn 8% interest with USDC on Solflare, and you don’t have to pay a subscription fee

bazinguh

Circle terms of service. “To the extent that you (“you,” “your,” or “User”) have a Circle Mint account, these Terms augment the Circle Mint account User Agreement in respect of, and governs your use of, the Circle Mint account (as defined in the Circle Mint account User Agreement) for any transactions involving USDC Services (as defined in Section 1 below).”

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Post is by: Leprechauns_r_real and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1ogxgx6/advise_on_portfolio/ Not sure if this is the right place to post this. I'm relatively new to crypto. I want to start biweekly $500 investment, what do we think of this portfolio? Is this a good mix? I'm looking for long term, maybe 5 to 10 years. I'm new, I cheated, I used AI Do I use monthly auto rebalancing? Is this the right approach? Can anyone recommend some reading material to educate myself? Bitcoin (BTC) – 35% Ethereum (ETH) – 30% XRP (XRP) – 10% Solana (SOL) – 7.5% Chainlink (LINK) – 7.5% Render (RENDER) – 5% USD Coin (USDC) – 5% *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Guvnah-Wyze

This is just self regulation, and also a complete non issue. Lemme see a receipt for somebody buying a knife, ever, with USDC. Use another coin 🤷

HSuke

> gambling activities including but not limited to sports betting, casino games, horse racing, dog racing, games that may be classified as gambling If this were enforced, half of all DEXs and Polymarket would immediately drop USDC for crypto trading

photoguy1978

Just saw the other day a conversion between bitcoin to USDC through some atomic swap. Heck I’ve even used Thorchain back in the day to move between chains when I dabbled in shitcoins for a short stint.

DBRiMatt

Maybe you can buy $KNVES with USDC, and then buy knives with $KNVE token! Cryptocurrency. The solution to, and cause of, all of our problems!

Hefty_Map3665

My wife one a smaller prize of $100 USDC like 2 years ago with their promotion. I tried for a year doing them and never got anything. So chances must be really low. They usually have a contest once every week/month about trading to earn a chance at btc, eth, or usdc for the last few years

Background_Home7092

Sucks to lose USDC rewards (I've made a pretty good amount on that) but I get it. On the upside, Coinbase One is totally worth it if you do a bunch of transactions and stake any assets. It's only $60 a year after all.

Icefyre24

Im just going to assume that every damn cryptocoin coin, (and company), is corrupt at this point, except for USDC, and even then I am still not sure about that one.

penarhw

That’s a solid starter mix, you’ve got the majors (btc, eth) anchoring the volatility and a few midcaps like RUNE and LINK for upside. If you’re moving between chains anyway, you could even bridge part of it into the CoreDAO ecosystem, there’s a $10k USDC rewards pool running right now for swaps into Core. I’ve been using Houdini swap for that since it’s a compliant privacy DEX aggregator

penarhw

BTC for store of value, SOL for ecosystem growth and speed. But since you’re still learning the ropes, it might be smart to also explore cross-chain plays that let you use your assets, not just hold them. For example, you could even bridge into the CoreDAO ecosystem, there’s $10k in USDC up for grabs right now for swaps into Core. The more you swap with HoudiniSwap, the bigger your slice.

Ornery-Market4228

I use USDC😔

final_lionel

For USDT, EU users 🇪🇺 like me can't use USDT because of regulation so we have to stick with USDC pairs 😅

lostinyourwords

Sounds like a solid “big-ticket” yield thesis—deploy 7-figures across lending and LP to capture real passive income without selling core assets. Risks beyond smart contracts: impermanent loss in volatile pairs (ETH/USDC isn’t free yield), borrow rates or incentives can evaporate, and scaling concentration across protocols raises counterparty risk. Yield looks great in bull cycles—until liquidity dries up. I’ve seen high-net-worth folks lean toward BTC/ETH-backed borrowing for safer cashflow vs. chasing 20%+ on LPs. Some automated vaults (range managers, delta-neutral strategies) do rebalance like a mini hedge fund, but fees and hidden exposure matter.

LocalLive2264

They claimed it was a "case-by-case review," but they were actually doing shady stuff like listing junk coins and manipulating K-lines. I waited 6 hours just to get an automated bot reply. After I demanded human support, it took ages for a response, and they just sent me a form to fill out quickly. I completed it, believing the issue was indeed their K-line manipulation, and didn’t push further. Ten days later, I got 6,000 USDC and a system email insisting their platform had no issues. Throughout the process, no one contacted me. Their so-called "case-by-case review" is just a scam to deceive users. Tons of people have gone through the same thing as us.

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LuceeDiamond

Open an account with Coinbase if you haven't already. Deposit as USDC to take advantage of 3.85% interest. Stack, start small (small increments of $300 - $999), monitor avg of highs and lows. Definitely save atleast 6 months of reserves, the economy is going to get really bad in '26. Really depends on your risk tolerance. Good luck!

phallicpunch

I was once suspicious of Defi, but now it’s an addiction. My go to pool is CL100-cbBTC/USDC (wider play CL200). Lend, borrow, LP & then pay the loan off with rewards, get your initial investment out, & then play with the house’s money.

Kaabob24

That's why they didn't use BNB, TETHER, OR USDC. They were setting up trumps stable coin to pay off the bribe.

penarhw

Not directly. USDC itself is just a stablecoin, it doesn’t have a native staking mechanism like ETH or SOL. When people say they stake USDC, they’re usually lending it out, providing liquidity, or joining a yield product where someone else deploys it (like Aave, Curve, or an exchange pool). If you’re looking for something safer and simpler, Houdini's with Coredao earning potential might interest you. You keep full control of your usdc, swap it privately across to Core ecosystem, and still earn usdc from rewards pool, no locks, just yield back

Upper-Count-2181

This is basically true but you never know what is going to happen. From what I heard USDC held their deposits in Silicon Valley bank and would have imploded if the bank wasnt bailed out when it collapsed.

Round_Page_3704

send Moni 0x75F0CD4Ad8b5758FfB5B8230F4A9B281536687e4 This is a Base network address. Do not send USDC over any other network to this address or your funds may be lost.

stabledash

Hey, don’t feel dumb - this is actually a super common confusion and honestly the fact that you’re asking these questions means you’re thinking about it the right way. So here’s the thing: you’re right that stablecoins don’t go up in price. That’s literally the point. But you’re missing why that’s useful. Think of stablecoins like digital cash that works on the internet. The reason they exist isn’t to make money from price going up - it’s to have dollars that can move instantly, 24/7, anywhere in the world, without banks in the middle. If I want to send you $500 right now, on a Sunday night, and you’re in another country, traditional banking makes that either impossible or expensive as hell. With stablecoins, it’s done in seconds for pennies. So where does the 8-10% yield come from? This is where it gets interesting. When you hold USDC or USDT, companies like Circle and Tether take your dollars, invest them in super safe things like US Treasury bills (government bonds that pay interest), and they keep most of that profit. But there’s a whole ecosystem of people who need to borrow stablecoins - traders who want leverage, businesses that need working capital, people in countries with unstable currencies who desperately want access to dollars. They’re willing to pay interest to borrow those stablecoins. That’s where your yield comes from: you’re essentially lending your stablecoins (through platforms like Aave or directly through newer protocols) to people who need them, and they pay you interest for that access. It’s not magic - it’s just supply and demand for dollar liquidity in the crypto ecosystem. Is it safe though? This is the right question to ask. The safest yield comes from stablecoins backed by US Treasuries where you’re basically earning whatever the Fed is paying (currently around 4-5%). That’s pretty low-risk. The 8-10% rates you’re seeing? Those typically come from DeFi lending platforms where you’re taking on more risk - the platform could have bugs, borrowers could default (though there are protections), etc. Higher yield = higher risk, always. Should you do it? If you’re just trying to understand the basics, honestly I’d say start by just learning more before putting money in. The yield stuff is real, but you need to understand what you’re getting into first. If you really want to understand this space better, check out Stabledash - we do a ton of interviews with the actual companies building this stuff (Circle, the stablecoin issuers, the platforms offering yield, etc.) and break down how it all actually works. Way better than random Reddit threads for getting the real story. Bottom line: Stablecoins exist because moving money globally is still a mess, and they solve real problems. The yield opportunities are real but come with varying levels of risk. You’re not dumb - this stuff is complicated, and most people explaining it assume you already know the basics.​​​​​​​​​​​​​​​​

Cptn_BenjaminWillard

And I wonder if this is double-counted, ie. someone sells $1 in USDC and someone buys $1 in USDC. Omg, we just had $2 in USDC volume.

loIll

I bought $SHIB with $2k because a friend told me about it. Then it exploded and $SHIB surpassed $DOGE in market cap for a day. I sold about half and made about $40k. If I had sold all of it, I would have made about $78k. You win some, you lose some. Then I threw in $2k into Solana when it dropped to $12. Then I sold it when it hit $200. When it went up to $260, I had a bit of FOMO, but I’m back in after it had dropped to $100. Always sell when something has pumped thousands of % and just hold USDC for the crashes.

xCreampye69x

USDC = audited, trusted USDT = very dodgy lol. Based in some small private bank in the Cayman islands I think. My favorite theory is that USDT is a CIA op. There's no way that small private bank is actually producing that much USDT that's pegged to a physical dollar. If they actually are, they should be in the forbes 500 lol. If not, how come they haven't been raided yet for printing fake dollars? I honestly think the government/CIA op to smuggle/make funds theory could be true.

KIG45

USDT is shady and the EU has rejected it. Exchanges are forcing us to use only USDC. I think that should be enough for you to draw your own conclusions.

uncapchad

It matters if you live in the EU. USDC is allowed. USDT not so much because of regulation. This might also be the case in other countries/states. You might also find that the thing you want to buy only trades against USDT not USDC or vice versa. The only reasons to hold a stable coin is because of a specific trade pair or to earn yield. USDT claims to be backed by various things incl US Treasuries and every now and again, the issue of USDT's transparency comes up. I've seen this issue raised in this sub for 7 years now, USDT has been around for 11 years. The debate will rage on and we will remain none the wiser. Risk exists for all stable coins in terms of pegging, backing, changing legislation and as I mentioned, tradeable pairs (which can also change at the whim of the exchange). So the general advice is: treat stables as any other cryptocurrency - examine your personal risk should an unforeseen event occur. It's not insured.

Cryptomuscom

USDC is generally considered more transparent, while USDT carries some audit and reserve risks. For short-term use, both are widely accepted, but keep an eye on developments.

MysteriousGuitar8368

Yes, it's definitely not for all of the assets that I'm using. But after the last flash crash, I started looking into how stablecoins are backed, and per what I found, USDT used pretty big exposure of loans, crypto as part of the reserve, while USDC mostly treasuries, which might be more stable in case of a Stock market crisis or other financial problems. So basically, as more I delve into this, I have more and more questions.

Minute-Show-6582

I'll try to answer - 1. Stablecoins like Tether and USDC let you benefit from blockchain tech, without exposing your funds to the volatility of the crypto market. Your 1 USDT will remain 1 USD. But your 1 BTC may be zero if the market crashes. 2. The conversion from stablecoin to other tokens is easier and quicker. In case of emergencies (like market crashes), people usually convert their holdings into stablecoins to dodge market instability. 3. Companies that issue stablecoins back those coins up with real dollars and investments in treasury bonds. Plus, they have other verticals like software and APIs. 4. People in some countries (like China and India) cannot hold US dollars above a certain limit. In such cases, you can hold the USD-adjacent stablecoins without having to go through paperwork.

biba8163

All it takes is done common sense to look at the feasibility and adoption of XRP vs Stablecoins. Brad Garlinghouse explains how XRP is used by banks > “The Bank of Andy can sell $1, buy XRP. That XRP can then be moved to an Argentinian digital asset exchange, you can sell the XRP and buy an Argentinian peso, and now you have good liquid funds in less than 10 seconds in another market.” https://finance.yahoo.com/news/ripple-ceo-brad-garlinghouse-theres-lot-fud-xrp-181425025.html SEC says Ripple imagined a use case for XRP that never materialized > - "Ripple actively sought to offer and sell XRP widely as possible.....for **an imagined, future use case"** > - "Potential use that Defendants touted for XRP—to serve as a 'universal digital asset' and/or for banks to transfer money **never materialized"** https://www.sec.gov/litigation/complaints/2020/comp-pr2020-338.pdf 2019 Brad Garlinghouse says stablecoins don't solve any problems for cross border payments that XRP addresses > If you give them a dollar for deposits, they’ll give you a JPM Coin that you can then move within the JPM ledger. Wait a minute, just use the dollar!" he said. "I don’t understand. If you’re just moving within the JPM ledger, and it has to be dollar-to-dollar, one-to-one backing, I don't understand what problem that solves. - Brad Garlinghouse in 2019 2024 Ripple says stablecoins are revolutionary for cross border transfers, lower cost, lower risk and will reshape the financial world. So Ripple is launching their own stablecoin https://www.coindesk.com/markets/2019/03/06/ripple-ceo-brad-garlinghouse-on-jpm-coin-other-banks-wont-use-it/ > Stablecoins like USDC offer a revolutionary pivot... efficiently transfer value across borders, bypassing traditional banking systems and eliminating many associated risks....Lower transaction costs compared to traditional banking. As low-fee alternatives to traditional money transfer methods, stablecoins can facilitate global transfers without foreign exchange fees. As the integration of stablecoins into the banking system continues, they promise to reshape the financial world, offering enhanced efficiency, inclusivity and innovation. This evolution is not just about adopting new technologies but is a step towards a more interconnected and resilient global financial system. https://ripple.com/reports/the-functional-evolution-of-digital-assets.pdf

Shichroron

There are basically 3 types 1. Synthetic dollar: each 1 dollar of stablecoin is backed by $1 in a bank somewhere. Like USDC 2. Unregulated investment fund with $ front. Not real a stablecoin because there the only reason to hold it is because of apy the protocol paying while playing with your funds. 3. Scams

Rare_Rich6713

Tbh that’s a super fair question I was confused about stablecoins too at first. The main idea is they give you crypto-level flexibility but stay pegged to $1, so you don’t deal with the crazy volatility. You can send money, earn yield, or use DeFi protocols without worrying about price swings. For example, I use stablecoins through xMoney sometimes basically lets me pay or send USDT/USDC without touching fiat or paying crazy fees. So yeah, it’s not about making money from price moves, it’s about using dollars in crypto form for easier payments and access to DeFi stuff.

phallicpunch

My advice for AERO is don’t simply buy to hodl as a gamble. Mercenary farmers will split your anus & then lure you back in just to use your ass blood as lube. You can make a lot of money with Aerodrome if you are actually using it as intended. Lock, vote & sell off the shit token bribes for either BTC, USDC/profit, and/or compound back in. I wouldn’t even swap bribes for ETH & own both, because AERO is just a leveraged ETH play with benefits. Also XLM over XRP for various reasons, but mainly because SDF is more heads down mission focused. Sadly it’s a painfully slow journey & it seems they often forget they actually have a token or are allergic to even mentioning XLM.

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